How to Improve Cash Flow Without Increasing Sales
Practical ways to improve small business cash flow without new sales: faster collections, better payment terms, inventory, pricing and expense timing.
Online Bookkeeping Services for US & Canadian Small Businesses
Accurate Bookkeeping. Clear Financial Insights. More Time to Grow.
Accurate monthly books, cleaned-up QuickBooks Online and Xero files, reconciled accounts, and financial reports you can act on — delivered remotely by a certified QuickBooks Online ProAdvisor team for businesses across the United States and Canada.
5+
Years of experience
QBO
ProAdvisor certified
US + CA
Small-business focus
Fixed
Monthly fees
What we do
Bookkeeping and accounting support, handled.
From monthly bookkeeping to cleanups and financial reporting — one team, one fixed monthly fee.
Monthly Bookkeeping
Transaction categorization, bank and card reconciliation, and monthly reports in QuickBooks Online or Xero.
Catch-Up & Cleanup
Months behind or messy books? We fix reconciliations, duplicates, suspense balances and miscategorized history.
QuickBooks Online & Xero
Setup, chart of accounts review, bank rules, integrations and reporting improvements from a certified ProAdvisor.
E-commerce Bookkeeping
Shopify, Amazon, Stripe and PayPal payout reconciliation, clearing accounts, inventory and COGS tracking.
Bank Reconciliation
Every bank, credit card and payment-processor account reconciled to the statement — USD and CAD.
Receivables & Payables
Customer and vendor balances, aging reports, invoice tracking and payment matching.
Financial Reporting
Profit and loss, balance sheet, cash flow statement and budget-vs-actual reports with plain-English notes.
Cash Flow Forecasting
Cash monitoring, 13-week forecasts and expense analysis so you can see a shortfall before it happens.
Why AccoTiva
Built for owners who need dependable numbers.
Books that stay current
A documented monthly close: categorized transactions, reconciled accounts and reports on a predictable schedule.
Fixed, transparent fees
A written proposal before work starts. No hourly billing and no surprise invoices.
Clear communication
Plain-English monthly reports, one organized list of questions, and a reply within one business day.
Works with your CPA
Clean, reconciled, year-end-ready records your CPA or accountant can rely on.
Software expertise
QuickBooks Online, Xero and the apps around them.
QuickBooks Online
Xero
Dext
Hubdoc
A2X
Shopify
Amazon Seller Central
Stripe
PayPal
Square
Bill.com
Ramp
Industries we serve
Bookkeeping that fits how your business runs.
E-commerce & DTC
Shopify, Amazon, Etsy and WooCommerce sellers with multi-channel payouts and inventory.
Restaurants & food service
POS and delivery-app reconciliation, prime cost and weekly cash.
Construction & trades
Job costing, contractor tracking and project profitability.
Agencies & professional services
Project profitability, receivables and a dependable monthly close.
SaaS & technology
Recurring revenue, deferred revenue and runway reporting.
Retail & local services
Merchant deposits, inventory and multi-location reporting.
How it works
Simple onboarding in four steps.
01
Free consultation
A 30-minute call about your business, software and where the books stand.
02
Fixed-fee proposal
A clear scope and price within 48 hours.
03
Onboarding
Secure software access, document collection and any cleanup needed.
04
Monthly close
Books closed and reports delivered on a predictable schedule.
Professional Collaboration
Working with ISAVSmart LLC
AccoTiva collaborates with Timothy Vernon, Founder & CEO of ISAVSmart LLC, combining practical bookkeeping with technology-driven financial processes to help small businesses keep accurate records and make informed decisions. AccoTiva and ISAVSmart remain separate, independently owned businesses.
Free tools
Free financial tools for small businesses.
No signup. Calculations run in your browser — we never see your numbers.
Resources
Bookkeeping guides from the AccoTiva blog
How to Calculate Your Business Break-Even Point
Learn the break-even formula in units and revenue, with a worked example, a target-profit version and the mistakes that make break-even figures…
Common Bank Reconciliation Errors and How to Fix Them
The bank reconciliation mistakes small businesses make most often in QuickBooks Online and Xero, how to find each one, and how to…
FAQ
Questions business owners ask us
What does a monthly bookkeeping service include?
Transaction categorization, bank and credit card reconciliations, receivables and payables tracking, and a monthly profit and loss, balance sheet and cash summary in QuickBooks Online or Xero.
How much does bookkeeping cost per month?
AccoTiva plans start at $175 per month. Your final fixed fee depends on transaction volume, number of accounts and the reporting you need, and is confirmed in a written proposal after a free consultation.
Can you clean up QuickBooks if my books are behind?
Yes. We review the file, quote a fixed fee, then correct categorization, duplicates and reconciliations before monthly bookkeeping starts.
Do you work with businesses in Canada?
Yes. We support small businesses across the United States and Canada, including USD and CAD accounts and GST/HST tracking in the books.
Do you prepare tax returns or run payroll?
No. AccoTiva focuses on bookkeeping, reconciliations and reporting. We work alongside your CPA or tax advisor and record payroll from your payroll provider.
Free consultation
Ready for books you can trust?
Tell us about your business and where your books stand. We reply within one business day, then schedule a free 30-minute call and send a fixed-fee proposal within 48 hours.
- ✓ Serving the United States and Canada
- ✓ QuickBooks Online and Xero
- ✓ Fixed monthly fees — plans from $175/month